Senior AML Analyst

Who we are:

We are a leader in fraud prevention and AML compliance. Our platform uses device intelligence, behavior biometrics, machine learning, and AI to stop fraud before it happens. Today, over 300 banks, retailers, and fintechs worldwide use Sardine to stop identity fraud, payment fraud, account takeovers, and social engineering scams. We have raised $75M from world-class investors including Andreessen Horowitz, Visa, Experian, FIS, and Google Ventures.

Our culture:

• We have hubs in the Bay Area, NYC, Austin, and Toronto. However, we have a remote-first work culture. #WorkFromAnywhere

• We hire talented, self-motivated people and get out of their way

• We value performance and not hours worked. We believe you shouldn't have to miss your family dinner, your kid's school play, or doctor's appointments for the sake of adhering to an arbitrary work schedule.

Location:

• US (From Home / Beach / Mountain / Cafe / Anywhere!)

• We are a remote-first company with a globally distributed team. So you can find your productive zone and work from there

About the Role:

Sardine is seeking a world-class Senior AML Analyst to join our team of compliance professionals. The ideal candidate will drive AML investigations, shape long-term compliance strategies, collaborate cross-functionally within Sardine, and represent our compliance functions with external stakeholders. At Sardine, we lead with our best-in-class fraud and compliance platform while also operating a crypto on- and off-ramp, as well as an NFT checkout solution. As our Senior AML Analyst, you'll focus primarily on our payments business, playing a crucial role in risk mitigation and investigations for our crypto on- and off-ramp. You'll also have the opportunity to collaborate closely with our product and engineering teams to create innovative fraud and compliance products. Additionally, you'll support our sales team by providing subject matter expertise on compliance and financial crimes, ensuring tailored solutions for our clients.

Responsibilities:

• Operations/Investigations:

  • Act as the primary contact for AML escalations, investigations, and overall support.

  • Conduct thorough investigations into suspicious activities related to cryptocurrency and fiat transactions, such as fraud, scams, money laundering, and other complex financial crimes.

  • Perform sanctions, Politically Exposed Persons (PEP), and adverse media reviews on flagged users.

  • Conduct comprehensive Enhanced Due Diligence (EDD) on high-risk users, and existing or potential business partners, utilizing various databases and resources to assess their risk profiles and implement necessary controls.

  • Conduct in-depth analysis of industry trends, attack vectors, emerging typologies within the digital assets ecosystem, and regulatory developments.

  • Analyze AML trends and implement monitoring rules to detect high-risk activities.

  • Streamline and optimize AML/compliance processes to ensure efficiency and effectiveness.

• Strategy:

  • Develop and implement strategic initiatives to enhance AML compliance frameworks.

  • Collaborate with internal stakeholders to integrate AML requirements into product development and business strategies.

  • Draft, review and edit policies and procedures and help to ensure documentation matches operations.

  • Assist with completion of annual Risk Assessment, external AML compliance audit and similar initiatives. 

  • Provide insights and recommendations based on industry best practices and regulatory requirements.

• Product Development:

  • Work closely with product teams to enhance AML features and capabilities within Sardine’s product offerings.

  • Support the integration of AML requirements into product roadmaps and development cycles.

• Sales Support:

  • Provide AML expertise and support to sales teams, helping them understand and communicate Sardine’s compliance product offerings to potential clients of our fraud and compliance solutions (e.g. banks, fintechs, marketplaces, payment processors, etc).

An ideal candidate has:

• Minimum of 5 years of experience in AML investigations, with at least 2 years specifically focused on blockchain investigations.

• Solid understanding of blockchain technology, digital assets, and the mechanics of various blockchain networks.

• Proficiency in using blockchain analytics tools and platforms for transaction analysis (e.g., TRM, Chainalysis).

• Proficiency in SQL to effectively handle and analyze extensive datasets.

• Experience collaborating with product, engineering, legal, and other cross-functional teams.

• Highly adaptable to the fast-paced and evolving environment of a high-growth organization.

• CAMS or similar certification preferred.

Compensation: Base pay range of $120,000 - $140,000 + Series B equity with tremendous upside potential + Attractive benefits

Benefits we offer:

• Generous compensation in cash and equity

• 7-years for post-termination option exercise (vs. standard 90 days)

• Early exercise for all options, including pre-vested

• Work from anywhere: Remote-first Culture

• Flexible paid time off

• Health insurance, dental, and vision coverage for employees and dependents - US and Canada specific

• 4% matching in 401k / RRSP - US and Canada specific

• MacBook Pro delivered to your door

• One-time stipend to set up a home office — desk, chair, screen, etc.

• Monthly meal stipend

• Monthly social meet-up stipend

• Annual health and wellness stipend

• Annual Learning stipend

• Unlimited access to an expert financial advisory

Join a fast-growing company with world-class professionals from around the world. If you are seeking a meaningful career, you found the right place, and we would love to hear from you.